Globelink Travel Insurance Policy Single and Annual Multi Trip Cover - Globelink Travel ...
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Globelink Travel Insurance Policy
Single and Annual Multi Trip Cover
This insurance is only available to persons who are currently
Welcome legally resident in the United Kingdom and registered with
Thank you for choosing us for your insurance. This a medical practitioner or entitled to free public healthcare
document sets out what is and what is not covered. under reciprocal arrangements currently in place in the
United Kingdom.
Certain words shown in bold throughout this document and If you are aged under 16 you are only insured when
in the Validation Certificate have specific meanings and travelling with one or both of the insured adults (or
these are explained in the General Definitions Section. accompanied by another responsible adult).
This travel insurance has been arranged by Globelink We will not provide any cover if any person wanting to be
International Travel Insurance Consultants Limited insured does not meet the above requirements.
(“Globelink International”) in conjunction with All Seasons
Underwriting Agencies (“ASUA”). Please contact ASUA if You must observe travel advice provided the Foreign &
you need any documents to be made available in braille Commonwealth Office (FCO)). No cover is provided under
and/or large print and/or in Audio format. any section of this insurance in respect of travel to a
destination to which the FCO has advised against all or all but
The insurer for this insurance is Lloyd’s Syndicate 4444 which essential travel at the time of booking or travel. Travel advice
is managed by Canopius Managing Agents Limited. can be obtained from the FCO on telephone number +44
Registered office: Gallery 9 One Lime Street, London, EC3M (0)207 008 1500 or by visiting their website at
7HA. Registered in England and Wales No. 01514453. www.fco.gov.uk.
Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the All insurance documents and all communications from us
Prudential Regulation Authority. Firm Ref. 204847. about this insurance will be in English.
Please check that the cover explained in this document, and
in the Validation Certificate meets your needs and that you
The Contract of Insurance
understand it. If you have any questions about your This document, together with the Validation Certificate
insurance, please contact Globelink International at make up the contract between the policyholder and us. The
globelink@globelink.co.uk or call +44 (0)1353 699082. contract does not give, or intend to give, rights to anyone
else. No-one else has the right to enforce any part of this
Subject to the policy terms and conditions, this insurance contract.
lasts for either the duration of a single trip or for a year if you
have chosen annual multi trip cover. Your period of The insurance provided by this document covers liability,
insurance is shown on the Validation Certificate. loss, damage, death or disability that happens during any
period of insurance for which the policyholder has paid, or
Please take time to read Part 1 “Important Information” in this agreed to pay, the premium. This insurance is provided under
document. It tells you about things you need to check, the terms and conditions contained in this document or in any
actions which you need to take, and things which you need amendment made to it.
to tell us about once the insurance has started. Please note This document and the Validation Certificate are issued to
important contact details you may need in Part 1 ‘Important the policyholder by All Seasons Underwriting Agencies
Information’ and Part 3 ‘Making a Claim’. Limited in its capacity as agent for the insurer, Lloyd’s
This document gives details of many sections of cover. Syndicate 4444, under contract reference
Some sections of cover only apply if you have chosen a B6839AH00212020.
certain level of cover or type of policy, and/or you have paid
an additional premium. The sections of cover which you Signed by:
have chosen, and the level of benefit which will be payable
in the event of a valid claim under each section of cover, are
shown in the Validation Certificate.
To request any extension of the period of insurance after Compliance Manager
the commencement of travel you must contact Globelink Authorised signatory for All Seasons Underwriting Agencies
International on +44 (0)1353 699082 and advise of any Limited, Suite 2, 2nd Floor, East Wing, Alpi House, Miles Gray
circumstances which at the time of your request could Road, Basildon, Essex SS14 3HU, United Kingdom.
reasonably be expected to cause a claim under this
insurance. We do not guarantee that any extension of cover
will be provided.
V3 UK – 28/04/2020 1PART 1 - IMPORTANT INFORMATION c) any disease, illness or injury for which you are taking
prescribed drugs or medication;
The Intermediary who arranged this insurance is: d) any disease, illness or injury for which you have
Globelink International Travel Insurance Consultants received a terminal prognosis;
Limited (Globelink International) e) any disease, illness or injury you are aware of but for
Alpi House, Suite 2, East Wing, 2nd Floor, Miles Gray Road, which you have not had a diagnosis;
Basildon, Essex. SS14 3HJ. f) any disease, illness or injury for which you are on a
Tel: +44 (0)1353 699082 waiting list or have knowledge of the need for surgery,
Email: globelink@globelink.co.uk treatment or investigation at a hospital, clinic or nursing
home.
In conjunction with:
All Seasons Underwriting Agencies Limited (ASUA) No Screen Conditions
Alpi House, Suite 2, East Wing, 2nd Floor, Miles Gray Road,
Basildon, Essex. SS14 3HJ. You do not need to contact ASUA Medical Screening in
Tel: +44 (0)203 327 0555 respect of any pre-existing medical conditions that you
Email: info@asuagroup.co.uk have that are included in this list and if the words in brackets
apply to you. The condition must have been stable and well
This is not a private medical insurance. If you need any controlled for the last 12 months on medication administered
emergency medical treatment or emergency travel by a medical practitioner and you must not have required a
assistance whilst abroad, please contact our 24 hour hospital admission or referral to a specialist because of a
Emergency Assistance Company, Mayday Assistance. Not worsening of your condition.
contacting them, or not following their instructions, could
affect your claim. Full details are shown under the Making a • Acne
Claim Section. • ADHD - Attention Deficit Hyperactivity Disorder
• Any disabilities impairing mobility, vision or mental health
There are conditions which apply to the whole of this providing you are accompanied by an appropriate carer for
insurance and full details of these can be found under the when any assistance is required
General Conditions and Exclusions Section. There are also • Arthritis - Juvenile, Osteoarthritis, Rheumatoid or Psoriatic
conditions which relate specifically to making a claim, and Arthritis, Reiter’s Syndrome, Rheumatism.
these can be found under the Making a Claim Section. (There must have been no hospital admissions within the last
In the above Sections you will find conditions that you need 12 months.
to meet. If you do not meet these conditions, we may need The arthritis must not affect the back more than any other area
of the body. You must not be taking more than 2 medications.
to reject a claim payment or a claim payment could be You must not require any mobility aids, other than a walking
reduced. In some circumstances the policy may be cancelled. stick.
There must have been no dislocations or any joint
Declaration of Medical Conditions and Health replacements.
Changes You must not be awaiting surgery. You must have no lung
problems/respiratory disorders.)
This travel insurance policy contains conditions and • Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food
exclusions in relation to your health and of others who might Intolerance & Hay Fever)
not be travelling with you but whose well-being your trip may • Asthma (providing it was diagnosed before age 50, and you
depend upon. are taking/using no more than 2 medications/inhalers and
have not been admitted to hospital in the last year)
• Bells Palsy
You must comply with the following conditions relating to pre-
• Benign Positional Vertigo
existing medical conditions and health changes in order to
• Bladder Infection
have the full protection of this insurance. If you do not comply
• Breast Cancer/Prostate Cancer (provided you:
with these conditions we may cancel the insurance, or refuse
- were diagnosed more than 12 months ago
to deal with your claim or reduce the amount of any claim - have not had any chemotherapy or radiotherapy in the last 12
payment. months and the cancer has not spread outside the breast or
prostate at any time
Pre-existing medical conditions - in the case of cancer of the prostate you must have a PSA of
3.0 or less)
It is a condition of this insurance that you will not be covered • Bunions
under Section A – Cancellation or curtailment charges, • Carpal Tunnel Syndrome
Section B – Medical, repatriation and other expenses, or • Cataracts
Section C - Personal accident of this policy for any claims • Coeliac Disease
arising directly or indirectly from any pre-existing medical • Congenital Blindness
condition that you have unless you have contacted ASUA • Corneal Graft
Medical Screening +44 (0)203 327 0556 Email: • Cystitis (provided no ongoing treatment)
info@asuagroup.co.uk and we have agreed to provide • Deafness
cover, or all of the pre-existing medical conditions that you • Diabetes (providing there have been no complications such as
have are included in the list of “No Screen Conditions” shown impaired kidney function, heart disease, peripheral vascular
in this policy and the words in brackets apply to you. disease, leg or foot ulcers, retinal damage, nerve damage, leg
or foot amputation, liver damage)
In relation to this policy, a pre-existing medical condition • Dry Eye Syndrome
is: • Eczema
• Enlarged Prostate (benign only)
a) any respiratory condition (relating to the lungs or
• Essential Tremor
breathing), heart condition, stroke, Crohn’s disease,
• Folate Deficiency
epilepsy or cancer for which you have ever received
• Fungal Nail Infection
treatment (including surgery, tests or investigations by
a medical practitioner and prescribed drugs or • Gallbladder Removal (no complications)
medication); • Gastric Reflux
• Glaucoma
b) any disease, illness or injury for which you have
• Goitre
received surgery, in-patient treatment or investigations
• Gout
in a hospital or clinic within the last twelve months;
2• Hay Fever 14 days of the confirmation of your pregnancy, we will
• Hiatus Hernia provide cover for the trip cancellation under the terms and
• High Cholesterol conditions of Section A - Cancellation or curtailment charges.
• Hormone Replacement Therapy - HRT If a claim is paid, your policy will terminate and no further
• Hypertension - High Blood Pressure cover will be provided. Globelink International can be
• Hypotension - Low Blood Pressure contacted at globelink@globelink.co.uk or by calling +44
(Must not be associated with any underlying condition) (0)1353 99082.
• Impetigo
• Insulin Resistance If you decide not to cancel your trip, cover under all sections
• Macular Degeneration of this policy will be provided under the standard terms and
• Meniere’s Disease conditions as contained in this document. In relation to
• Migraine pregnancy, this means there is no cover under this policy in
• Osteoporosis - Osteopenia, Fragile Bones relation to pregnancy and/or childbirth unless during a trip:
(There must have been no broken bones within the last 5 years) a) you suffer a bodily injury; or
• Pernicious Anaemia b) you contract an illness or disease; or
• Raynaud Disease c) complications of any kind with the pregnancy occur.
• RSI (Repetitive Strain Injury/Tendinitis)
• Sinusitis Cover for the above events will continue until the end of the
• Tendonitis 25th week of pregnancy with the exception that if you are
• Tinnitus pregnant following a course of in vitro fertilisation (IVF) or are
• Tonsillitis pregnant with twins or other multiple birth, cover for the above
• Underactive or Overactive Thyroid events will continue until the end of the 23rd week of
pregnancy.
Health Changes
If your health changes after the start date of this insurance The policy will not cover any costs relating to pregnancy or
and the date your travel tickets or confirmation of booking childbirth beyond the above dates even if you are already
were issued, you must contact ASUA Medical Screening travelling and are more than 25 weeks pregnant (more than
(see details below) to make sure cover is not affected. 23 weeks if you have had a course of in vitro fertilisation (IVF)
or are pregnant with twins or other multiple birth) and have
Changes to your health which we need to know about are: approval to travel from a medical practitioner.
• details of any new medical conditions you have been
diagnosed with; or Important information you have given us
• changes in diagnosis of any existing medical
condition; or In deciding to accept this insurance and in setting the terms
• changes in the treatment (including changes in and premium, we have relied on the information you have
medication) you are receiving for any existing medical given Globelink International. You must take reasonable
condition. care to provide complete and accurate answers to the
questions asked when the policy is taken out, changed or
ASUA Medical Screening: +44 (0)203 327 0556 renewed (if applicable). If the information provided by you is
Email: info@asuagroup.co.uk not complete and accurate:
Office Hrs: 9am-5pm Mon to Fri (excl. public holidays) • we may cancel the policy and refuse to pay any claim, or;
• we may not pay any claim in full, or;
Exclusions Relating to Health and Medical Conditions • we may revise the premium and/or change any excess;
or;
There is no cover under Section A – Cancellation or • the extent of the cover may be affected.
curtailment charges, Section B – Medical, repatriation and
other expenses, or Section C - Personal accident of this We will write to the policyholder if we:
policy for any claims arising directly or indirectly from: • intend to cancel the policy; or
• need to amend the terms of the policy; or require the
a) Any medical condition you have with which a medical policyholder to pay more for this insurance.
practitioner has advised you not to travel (or would
have done so had you sought his/her advice), but If you become aware that information you have given is
despite this you still travel; incomplete or inaccurate, you must inform Globelink
b) Any surgery, treatment or investigations for which you International as soon as possible. Contact details are
intend to travel outside of your home area to receive given on page 2 of this document.
(including any expenses incurred due to the discovery
of other medical conditions during and/or PART 2 GENERAL CONDITIONS AND
complications arising from these procedures);
c) Any medical condition for which you are not taking the EXCLUSIONS
recommended treatment or prescribed medication as General Conditions
directed by a medical practitioner;
d) You travelling against any health requirements The following conditions apply to the whole of this
stipulated by: insurance.
- the airline with which you are travelling, by the
airline’s booking company, or by anyone else who 1. Other Insurance
provides services on behalf of the airline at the If, at the time of a valid claim under this policy there is
airport, or another insurance policy in force which covers you for
- any other public transport provider. the same loss or expense (for example a Home
Contents Policy), we may seek a recovery of some or
Pregnancy all of our costs from the other insurer. You must give
us any help or information we may need to assist us
If you become pregnant, as confirmed by a medical with our loss recoveries.
practitioner, and your dates of travel fall within the 15 week
period prior to the due date, then if you decide to cancel your 2. Precautions
trip and provided you contact Globelink International within
3At all times you must take precautions to avoid injury, Operational duties of a member of the Armed Forces
illness, disease, loss, theft or damage and take steps to (other than claims arising from authorised leave being
safeguard your property from loss or damage and to cancelled due to operational reasons, as provided for
recover property lost or stolen. under sub section 4.“Specified Events” of Section A –
Cancellation or curtailment charges).
3. Affordable Care Act
This insurance is not subject to, and does not provide 8. Travelling against World Health Organisation (WHO)
certain of the insurance benefits required by, the United WHO advice or against the advice of a European Union
States' Patient Protection and Affordable Care Act recognised Government body:
("ACA"). This insurance does not provide, and Insurers Your travel to a country, specific area or event when the
do not intend to provide, minimum essential coverage World Health Organisation (WHO) or regulatory
under ACA. In no event will benefits be provided in authority in a country to/from which you are travelling
excess of those specified in the contract documents. has advised against all, or all but essential, travel at the
This insurance is not subject to guaranteed issuance or time of booking, or travel. For residents of the United
renewability other than as specified in the policy. ACA Kingdom this regulatory body is the Travel Advice Unit
requires certain US citizens and US residents to obtain of the Foreign & Commonwealth Office (FCO).
ACA compliant health insurance coverage. In some
circumstances penalties may be imposed on persons 9. Family and single parent cover travel restrictions:
who do not maintain ACA-compliant coverage. You If you are aged under 16 you are only insured when
should consult your attorney or tax professional to travelling with one or both of the insured adults (or
determine if ACA's requirements are applicable to you. accompanied by another responsible adult). If you
reach the age mentioned above during the period of
General Exclusions insurance, cover will continue until the next renewal
date but not after that.
The following exclusions apply to the whole of this
insurance. 10. War or acts of terrorism:
However, this exclusion shall not apply to losses:
We will not pay for claims arising directly or indirectly from:
(a) under Section B – Medical, repatriation and other
1. Participation in winter sports: expenses, Section B1 – Hospital confinement benefit
Your participation in winter sports unless the and Section C –Personal accident, unless such losses
appropriate winter sports premium has been paid are caused by nuclear, chemical or biological attack,
where required, then cover will apply for: your participation in active war, or the disturbances
were already taking place at the beginning of any trip;
a) the winter sports specified in Appendix B and
b) a period of no more than 17 days in total in each (b) under Section S3 –Travel Disruption (Force
period of insurance under annual multi trip policies Majeure) if you purchased this insurance before the
and for the period of the trip under single trip date the force majeure happened or commenced.
policies.
11. You engaging in active war.
2. Professional sports or entertaining:
Your participation in or practice of any professional 12. Nuclear risks.
sports or professional entertaining.
13. Sonic bangs:
3. Other sports or activities: Loss, destruction or damage directly caused by
Your participation in or practice of any other sport or pressure waves caused by aircraft and other aerial
activity, manual work, driving any motorised vehicle in devices travelling at sonic or supersonic speeds.
motor rallies or competitions or racing unless:
14. Redundancy:
a) specified in the lists under Appendix A of this policy We will not pay if you, either at the time a holiday was
or booked, or at the time the policy was purchased, were
b) shown as covered in the Validation Certificate when under notice of redundancy from an employer.
the additional premium is paid to extend policy cover for
specified activities. 15. We will not pay if the tour operator, or anyone you have
made travel or accommodation arrangements with, fails
4. Suicide, drug use, alcohol or solvent abuse and you to fulfil the holiday booking for any reason. However,
putting yourself at risk: this exclusion will not apply to the events covered under
Your wilfully, self-inflicted injury or illness, suicide or Section S1 – Scheduled Airline Insolvency Insurance
attempted suicide, sexually transmitted diseases, and Section S2 – End Supplier Insolvency Insurance if
solvent abuse, alcohol abuse, drug use (other than the policyholder has chosen to include these covers
drugs taken in accordance with treatment prescribed under his/her policy and they are shown on the
and directed by a medical practitioner, but not for the Validation Certificate Schedule of Cover.
treatment of drug addiction), and you putting yourself
at risk (except in an attempt to save human life). PART 3 – MAKING A CLAIM
5. Unlawful action: What to do in a Medical or other Emergency Abroad
Your own unlawful action in the country in which the On our behalf, Mayday Assistance provide a 24 hour
trip is taking place or any criminal proceedings against emergency service 365 days a year and you can contact
you. Mayday Assistance by using the following:
6. Any other loss, damage or additional expense following Mayday Assistance Emergency 24-hour service:
on from the event for which you are claiming, unless we + (44) (0) 1273 624 661Fax: + (44) (0) 1273 606 390
provide cover under this insurance. Email: operations@maydayassistance.com
7. Armed Forces:
4For out-patient treatment costing less than £200, it is You can register your claim online at www.rpclaims.com
recommended that you pay the hospital/clinic yourself and Quote Scheme Code: A01131. You can also download the
claim back medical expenses from us on your return to your appropriate claim form and access Frequently Asked
home area. Questions (FAQ) relevant to your claim and the process in
general.
You must contact Mayday Assistance as soon as possible in
the case of a serious medical emergency abroad where you Providing information to support your claim
will or may need to stay in hospital, have hospital treatment You will need to provide certain information to enable a claim
or other emergencies, for example the need to change travel to be fully assessed. This information will vary depending on
arrangements and return home because a close relative which section of cover you are claiming under. Examples of
has become seriously ill. the types of information we will need are given below, but
there may be other evidence required from you.
When calling Mayday Assistance for help, please provide the
following information: Further details are given within each section of cover listed in
Part 4 of this policy, and our claims handlers will tell you
• The policy number (shown on the Validation exactly what information you need to give them in relation to
Certificate) and the policyholder’s name. your own claim.
• Your name and the address you are staying at.
• The phone number you are calling from. Unless we agree to pay for any information, for example
• The nature of the emergency. a medical examination (which you must agree to undergo
• The name and phone number of the doctor and hospital if required), the information will need to be provided at
treating you (if appropriate). your own expense.
Not contacting Mayday Assistance, or not following their Medical A medical certificate from the treating
instructions, could affect your claim. Mayday Assistance Certificates medical practitioner or a consultant
must agree, beforehand, any emergency travel expenses specialising in a relevant field explaining
involving air travel. If it is not possible for you to make why you required medical attention, were
contact with Mayday Assistance before hospital admission unable to travel, forced to cancel, extend,
or before medical expenses are incurred because cut short or forfeit any pre-arranged plans
emergency treatment is required, contact must be made as or paid for activities, or rearrange any travel
soon as possible. plans.
Police (or other A report from the local police or other
Private medical treatment is not covered in countries where Authority) relevant authority in the country where the
reciprocal health agreements entitle you to benefit from Reports incident occurred confirming dates,
public health care arrangements unless authorised circumstances and further details of the
specifically by Mayday Assistance. Mayday Assistance has loss, theft, attempted theft, mugging,
the medical expertise, contacts and facilities to help should damage, quarantine, lawful or unlawful
you be injured in an accident or fall ill. Mayday Assistance detention.
will also arrange transport home when this is considered to
be medically necessary or when you are told about the illness Travel Tickets All travel tickets (including any unused
or death of a close relative or a close business associate & Baggage travel tickets) and baggage tags.
at home. Tags
Receipts, Bills, An original receipt, valuation or proof of
Payment for medical treatment abroad Valuations & ownership for items, currency or
If you are admitted to a hospital/clinic while abroad, Mayday Proof of documents of any kind lost, stolen,
Assistance will arrange for medical expenses covered by the Ownership damaged, repaired, replaced, purchased or
insurance to be paid direct to the hospital/clinic. To take hired as emergency temporary
advantage of this benefit: replacements.
• Someone must contact Mayday Assistance for you as
soon as possible;
Receipts or bills for any costs incurred for
in-patient/out-patient treatment, telephone
• Beware of requests for you to sign for excessive calls, emergency dental treatment,
treatment or charges. If you are in doubt, you should transport, accommodation, hospital or
call Mayday Assistance for guidance and authorisation medical costs and any other charges or
of costs. expenses which are to be considered as
part of a claim.
Reporting all other claims
You must report any claim as soon as possible, preferably Confirmation Confirmation of the loss, delay, failure,
within 31 days of any incident which may lead to a claim Letters, cancellation or circumstance leading to the
under this insurance. Also, you must contact our claims Reports, claim in the form of a letter, invoice, report
handlers as soon as you find out about any condition or Invoices & or notice of cancellation from (as
circumstances which may cause a trip to be cancelled or cut Notices appropriate) your tour operator or their
short. If you need to make a claim, please contact our claims representative, airline, baggage handler,
handlers appointed to act on our behalf: service provider, retailer, hotel or
accommodation provider, emergency
Rightpath Claims service, commanding officer, event
Telephone: +44 (0) 208 667 1600 organiser, public transport provider or
Email: claim@rpclaims.com relevant authority.
Register On Line: www.rpclaims.com Death For any claim involving your death or the
PLEASE QUOTE SCHEME CODE: A01131 Certificates death of any related party the original death
Rightpath Claims Postal Address: certificate will be required.
PO Box 6053, Rochford, Essex, SS1 9TT
Opening Hours: Monday to Friday 9am to 5pm (GMT)
5Getting Medical Treatment Abroad deliberately exaggerated, or is intended to mislead, we
The European Health Insurance Card (EHIC) is no substitute may:
for travel insurance as you will not necessarily be covered for • not pay that claim; and
all medical costs or for any emergency flights home. • recover (from the insured person involved in the
claim) any payments made in respect of that claim;
However, a European Health Insurance Card (EHIC) is free and
and enables access to free or discounted medical care in • terminate your insurance from the time of the
selected European Countries. The EHIC entitles you to the fraudulent act; and
same state-provided healthcare that is generally offered to • inform the police of the act.
the locals of the country you are visiting. For United
Kingdom residents, this doesn’t mean you will be entitled to If your insurance is terminated from the time of the
the same standard of medical care offered by the NHS in the fraudulent act, we will not pay any claim for any incident
United Kingdom. Private treatment is not covered. which happens after that time and may not return any of
the insurance premium(s) already paid.
To get an EHIC, apply online at www.dh.gov.uk/travellers
or by telephone on 0300 330 1350.
PART 4 – THE COVER
The United Kingdom has reciprocal healthcare agreements
with certain other countries e.g. Australia, New Zealand and This document gives details of many sections of cover. Some
Russia. This means that when visiting these countries, urgent sections of cover only apply if you have chosen a certain
or immediate medical treatment will be provided at a reduced level of cover or type of policy, and/or paid an additional
premium. The sections of cover which you have chosen, and
cost or, in some cases, free. Visit
http://www.nhs.uk/NHSEngland/Healthcareabroad/countryg the level of benefit which will be payable in the event of a valid
uide/nonEEAcountries for a list of those countries in which claim under each section of cover, are shown in the
you may be entitled to free treatment or treatment at a Validation Certificate.
reduced cost.
Policy Excesses
Please note that under most sections of this insurance,
Claims Conditions claims will be subject to an excess. This means that you will
be responsible for the first part of each and every claim per
1. Claims procedure and notification: incident claimed for, under each section by each insured
You must notify claims using the procedures and person, unless an additional premium has been paid so that
contact options detailed in this Making a Claim Section. an excess is not payable (as confirmed on the Validation
Certificate).
The claim notification must be made as soon as
possible and preferably within 31 days following any If family cover or single parent cover applies then we will
bodily injury, illness, disease, incident, event, not apply more than two excess charges to any incident
redundancy or the discovery of any loss, theft or claimed for.
damage which may lead to a claim under this insurance.
You must also tell us if you are aware of any writ, Section A – CANCELLATION OR
summons or impending prosecution. Every CURTAILMENT CHARGES
communication relating to a claim must be sent to our What is Covered
claims handlers as soon as possible. You, or anyone We will pay you up to the amount shown in the Validation
acting on your behalf, must not negotiate, admit or Certificate Schedule of Cover for any irrecoverable unused
repudiate (refuse) any claim without our claims travel and accommodation costs, pre-booked excursion
handlers’ permission in writing. costs, and other pre-paid charges which you have paid or are
contracted to pay, together with any additional travel
2. Claims evidence expenses incurred if cancellation of the trip is unavoidable or
We will require, at your own expense, all evidence the trip is curtailed before completion as a result of any of
needed to fully assess your claim. You must have any the following specified events:
medical examinations we decide are necessary. We will
pay for these. We may request and will pay for a post Specified Events
mortem examination if required in the event of
accidental death. 1. The death, bodily injury, illness, disease, or
complications arising as a direct result of pregnancy of:
3. Property a) yourself
You must retain any property which is damaged, and if b) any person who you are travelling or have
requested, send it to us at your own expense. If we pay arranged to travel with
a claim for the full value of the property and it is then c) any person who you have arranged to
recovered it will then become our property. We may stay with
refuse to reimburse you for any property for which you d) your close relative
cannot provide proof of ownership such as an original e) your close business associate.
receipt, a valuation, user manual or bank or credit card
statements. 2. You or any person who you are travelling with, or have
arranged to travel with, being quarantined, called as a
4. Transferring of rights witness at a Court of Law or called for jury service
We are entitled to take over any rights in the defence or attendance.
settlement of any claim and to take proceedings in your 3. Your redundancy or the redundancy of any person who
name for our benefit against any other party. you are travelling with or have arranged to travel with.
The redundancy must qualify for payment under current
5. Fraudulent claims or misleading information redundancy payment legislation in the United
We take a robust approach to fraud prevention in order Kingdom, and at the time of booking the trip there must
to keep premium rates down so that you do not have to have been no reason to believe anyone would be made
pay for other people’s dishonesty. If any claim made by redundant.
you, or anyone acting on your behalf is fraudulent,
64. You, or any person who you are travelling or have You should also refer to “Declaration of Medical Conditions
arranged to travel with, are a member of the Armed and Health Changes” and “Exclusions relating to Health and
Forces, Territorial Army, Police, Fire, Nursing or Medical Conditions” on pages 2-3 of this policy.
Ambulance Services or an employee of a Government
Department and have authorised leave cancelled or are Section B – MEDICAL, REPATRIATION
called up for operational reasons, provided that the
cancellation or curtailment could not reasonably have AND OTHER EXPENSES
been expected at the time when the policyholder What is Covered
purchased this insurance or at the time of booking any We will pay you up to the amount shown in the Validation
trip. Certificate Schedule of Cover for the following expenses
5. The police or other authorities requesting you to stay at which are necessarily incurred within 12 months of the
or return to your home due to serious damage to your incident as a result of you suffering unforeseen bodily
home caused by fire, aircraft, explosion, storm, flood, injury, illness, disease and/or compulsory quarantine:
subsidence, fallen trees, collision by road vehicles,
malicious people or theft. 1. Emergency medical, surgical, hospital, ambulance and
nursing fees and charges incurred outside of your
Special Conditions Relating to Claims home area.
1. You must get (at your own expense) a medical 2. Emergency dental treatment for the immediate relief of
certificate from a medical practitioner and the prior pain (to natural teeth only) up to a limit of £200 incurred
approval of the 24 hour emergency medical service to outside of your home area.
confirm the necessity to return home, prior to 3. Costs of telephone calls:
curtailment of the trip due to death, bodily injury, a) to the 24 hour emergency medical service notifying
illness, disease or complications arising as a direct and dealing with the problem for which you are able
result of pregnancy. to provide receipts or other evidence to show the
2. If you fail to notify the travel agent, tour operator or cost of the calls and the numbers you telephoned
provider of transport or accommodation as soon as you b) incurred by you when you receive calls on your
find out it is necessary to cancel the trip, the amount we mobile phone from the 24 hour emergency medical
will pay will be limited to the cancellation charges that service for which you are able to provide receipts or
would have been payable had such notification taken other evidence to show the cost of the calls.
place.
3. If you cancel the trip due to: 4. The cost of taxi fares for your travel to or from hospital
a) stress, anxiety, depression or any other mental or relating to your admission, discharge or attendance for
nervous disorder that you are suffering from you outpatient treatment or appointments or for collection of
must provide (at your own expense) a medical medication prescribed for you by the hospital.
certificate from a consultant specialising in the If you die:
relevant field or a) outside your home area, either:
b) any other bodily injury, illness, disease or
(i) the additional cost of funeral expenses abroad
complications arising as a direct result of
up to a maximum of £2,500 plus the cost of
pregnancy, you must provide (at your own
returning your ashes to your home or home
expense) a medical certificate from a medical
country, or
practitioner stating that this necessarily and
reasonably prevented you from travelling.
(ii) the costs of returning your body to your home or
home country subject to repatriation being
What is Not Covered
authorised by the 24 Hour Emergency Medical
Service:
The General Exclusions on page 4 and the exclusions
- the cost of funeral director charges for preparing,
below both apply to Section A – Cancellation or
co-ordinating and transporting your body to an
Curtailment Charges
airport;
- the cost of any casket/coffin required for
1. The excess shown in the Validation Certificate
transportation of your body;
Schedule of Cover.
- any fees/costs charged by the airline who take
2. Any claims arising directly or indirectly from:
your body as cargo;
a) Redundancy caused by or resulting from
- transport of your body from the airport where the
misconduct leading to dismissal or resignation or
aeroplane lands to a local funeral home where
voluntary redundancy, or where you received a
your body will pass into the care of the
warning or notification of redundancy before this
local/desired undertaker.
insurance was purchased or at the time of booking
any trip
b) within your home area, the additional cost of
b) Circumstances known to you before this insurance
returning your ashes or body to a chosen funeral
was purchased, or at the time of booking any trip,
director, up to a maximum of £750.
which could reasonably have been expected to lead
to cancellation or curtailment of the trip.
5. Additional transport and/or accommodation expenses
incurred, up to the standard of your original booking (for
3. Travel tickets paid for using any airline mileage or
example full or half board, bed and breakfast, self
supermarket reward scheme, for example Air Miles,
catering or room only), if it is medically necessary for
unless specific evidence of the monetary value of the
you to stay beyond your scheduled return date. This
tickets can be provided.
includes, with the prior authorisation of the 24 hour
4. Accommodation costs paid for using any Timeshare,
emergency medical service, additional transport and/or
Holiday Property Bond or other holiday points scheme
accommodation expenses for a travelling companion,
unless specific evidence of the monetary value of the
friend or close relative to stay with you or travel to you
accommodation costs can be provided.
from the United Kingdom or escort you. Also
5. Annual maintenance fees/charges for time share
additional travel expenses to return you to your home
holidays or properties.
or a suitable hospital nearby if you cannot use the return
ticket.
76. With the prior authorisation of the 24 hour emergency k) Any expenses incurred after the date on which we
medical service, the additional costs incurred in the use exercise our rights under this section to move you
of air transport or other suitable means, including from one hospital to another and/or arrange for your
qualified attendants, to repatriate you to your home if repatriation but you decide not to be moved or
it is medically necessary. These expenses will be for the repatriated.
identical class of travel utilised on the outward journey
unless the 24 hour emergency medical service agree You should also refer to “Declaration of Medical Conditions
otherwise. and Health Changes” and “Exclusions Relating to Health and
Medical Conditions on pages 2-3 of this policy.
Special Conditions Relating to Claims
1. You must tell the 24 hour emergency medical service Section B1 – HOSPITAL CONFINEMENT
as soon as possible of any bodily injury, illness or
disease which necessitates your admittance to hospital BENEFIT
as an in-patient or before any arrangements are made What is Covered
for your repatriation. We will pay you the amount shown in the Validation
2. If you suffer bodily injury, illness or disease we Certificate Schedule of Cover for every complete 24 hours
reserve the right to move you from one hospital to you have to stay in hospital as an in-patient or are confined
another and/or arrange for your repatriation to the to your accommodation due to your compulsory quarantine
United Kingdom at any time during the trip. We will do or on the orders of a medical practitioner outside your
this, if in the opinion of the medical practitioner in home area, up to the maximum amount shown in the
attendance, or the 24 hour emergency medical service, Validation Certificate Schedule of Cover as a result of
you can be moved safely and / or travel safely to your bodily injury, illness or disease you sustain.
home area or a suitable hospital nearby to continue
treatment. We will pay the amount above in addition to any amount
payable under Section B – Medical, repatriation and other
What is Not Covered expenses. This payment is meant to help you to pay for
additional expenses such as taxi fares and phone calls
The General Exclusions on page 4 and the exclusions incurred by your visitors during your stay in hospital.
below both apply to Section B – Medical, Repatriation
and Other Expenses Special Conditions Relating to Claims
1. The excess shown in the Validation Certificate 1. You must tell the 24 hour emergency medical service
Schedule of Cover. as soon as possible of any bodily injury, illness or
2. Normal pregnancy, without any accompanying bodily disease which necessitates your admittance to hospital
injury, illness, disease or complication. This section is as an in-patient, compulsory quarantine or confinement
designed to provide cover for unforeseen events, to your accommodation on the orders of a medical
accidents, illnesses and diseases and normal childbirth practitioner.
and pregnancy would not constitute an unforeseen
event or illness. What is Not Covered
3. Any claims arising directly or indirectly for: The General Exclusions on page 4 and the exclusions
a) The cost of treatment or surgery, including exploratory below both apply to Section B1 – Hospital Confinement
tests, which are not related to the bodily injury or Benefit
illness which necessitated your admittance into
hospital. 1. Any claims arising directly or indirectly from:
b) Any expenses which are not medically necessary in
the course of treating your bodily injury, illness or a) Any additional period of hospitalisation, compulsory
disease. quarantine or confinement to your accommodation:
c) Any form of treatment or surgery which in the opinion i. relating to treatment or surgery, including
of the medical practitioner in attendance and the 24 exploratory tests, which are not directly related to
hour emergency medical service can be delayed the bodily injury, illness or disease which
reasonably until your return to your home area. necessitated your admittance into hospital.
d) Expenses incurred in obtaining or replacing ii. relating to treatment or services provided by a
medication, which you know you will need at the time convalescent or nursing home or any rehabilitation
of departure or which will have to be continued outside centre.
of your home area. iii. following your decision not to be repatriated after
e) Additional costs arising from single or private room the date when, in the opinion of the 24 hour
accommodation. emergency medical service, it is safe to do so.
f) Treatment or services provided by a health spa,
convalescent or nursing home or any rehabilitation b) Hospitalisation, compulsory quarantine or confinement
centre unless agreed by the 24 hour emergency to your accommodation:
medical service. i. relating to any form of treatment or surgery which in
g) Any costs incurred by you to visit another person in the opinion of the medical practitioner in
hospital. attendance and the 24 hour emergency medical
h) Any expenses incurred after you have returned to service can be delayed reasonably until you return
your home area. to your home area.
i) Any expenses incurred in England, Scotland, Wales ii. as a result of a tropical disease where you have not
or Northern Ireland which are for private treatment or had the recommended inoculations and/or taken the
funded by, or are recoverable from, the Health recommended medication.
Authority in your home area. iii. occurring in your home area and relating to either
j) Expenses incurred as a result of a tropical disease private treatment or tests, surgery or other
where you have not had the recommended treatment, the costs of which are funded by, or are
inoculations and/or taken the recommended recoverable from, the Health Authority in your home
medication. area.
8Section C – PERSONAL ACCIDENT any pre-booked and pre-paid event(s) which you were
For the purposes of this Section C the following have the unable to attend due to the travel delay.
following meanings:
Item 1 - accidental death Notes:
Item 2 – loss of limb or loss of sight • If the same expenses are covered under Section D1
Item 3 – permanent total disablement (Missed Departure), you can only claim under one
section of this insurance for the same event.
What is Covered • There is no cover under c) above if the sole purpose of
We will pay one of the benefits shown in the Validation your trip is to attend a pre-booked and pre-paid event.
Certificate Schedule of Cover if you sustain bodily injury Cover can be purchased separately for any such trip(s).
which solely and independently of any other cause, results
within two years in your death, loss of limb, loss of sight or Special Conditions Relating to Claims
permanent total disablement. 1. You must check in according to the itinerary given to you.
2. You must get written confirmation, at your own expense,
Special Conditions Relating to Claims from the relevant public transport provider of the
Our medical practitioner may examine you as often as number of hours of delay and the reason for the delay.
he/she considers necessary if you make a claim. 3. You must comply with the terms of contract of the travel
agent, tour operator, or transport provider.
PROVISIONS
1. Benefit is not payable to you: What is Not Covered
a) Under more than one of items 1, 2 or 3.
b) Under item 3. until one year after the date you The General Exclusions on page 4 and the exclusions
sustain bodily injury below both apply to Section D – Travel Delay and
2. Benefit 1 will be paid to your estate. Abandonment
What is Not Covered 1. The excess shown in the Validation Certificate
Schedule of Cover. The excess only applies to
The General Exclusions on page 4 and the exclusions abandonment claims.
below both apply to Section C – Personal Accident 2. Any claims arising directly or indirectly from strike or
industrial action existing or being publicly announced by
You should also refer to “Declaration of Medical Conditions the date the policyholder purchased this insurance or at
and Health Changes” and “Exclusions Relating to Health and the time of booking any trip.
Medical Conditions” on pages 2- 3 of this policy. 3. Any claims arising directly or indirectly from an aircraft or
sea vessel being withdrawn from service (temporarily or
otherwise) on the recommendation of the Civil Aviation
Section D – TRAVEL DELAY AND Authority, Port Authority or any such regulatory body in a
ABANDONMENT country to/from which you are travelling.
What is Covered 4. Any claim for reimbursement of the cost of pre-booked
and pre-paid event(s) where the sole purpose of your trip
a) If, due to one of the Specified Events below, the departure was to attend such event(s).
of the public transport on which you are due to travel is
delayed at the final departure point from or to the United Section D1 – MISSED DEPARTURE
Kingdom, or if any subsequent outbound or return What is Covered
connecting public transport is delayed, for at least 12 a) If, due to one of the Specified Events listed below, you
hours from the scheduled time of departure, then fail to arrive at the departure point in time to board the
provided you still travel we will pay the amount shown in public transport on which you are booked to travel for
the Validation Certificate Schedule of Cover. the international outbound and return legs of your trip,
we will pay you up to the maximum amount shown in the
Specified Events Validation Certificate Schedule of Cover for any
1. An accident involving, or the mechanical breakdown of, or necessary additional accommodation (room only) and
a technical fault occurring in, the vehicle on which you are travel expenses incurred in reaching your overseas
booked to travel. destination or returning to the United Kingdom.
2. Strike, industrial action or adverse weather conditions.
Specified Events
The amount we will pay for a) the first full completed 12 hours 1. The failure of other public transport.
of delay, and b) each additional full 12 hours of delay is as 2. An accident involving, or the mechanical breakdown of, or
shown in the Validation Certificate Schedule of Cover. This a technical fault occurring in, the vehicle in which you are
benefit is intended to help you to pay for telephone calls travelling.
made, and meals and refreshments purchased, during the 3. An accident or breakdown happening ahead of you on a
delay. motorway or dual carriageway which causes an
unexpected delay to the vehicle in which you are
b) If, due to one of the Specified Events above, your pre- travelling.
booked public transport is delayed at the final departure 4. Strike, industrial action or adverse weather conditions.
point from the United Kingdom for 24 hours, or if such
public transport is cancelled, and you decide to cancel b) If, as a result of missing the departure of the public
your trip before departure from the United Kingdom, transport on which you are booked to travel for the
then in addition to a payment for travel delay, we will pay international outbound and return legs of your trip due to
up to the amount shown in the Validation Certificate one of the Specified Events listed above, you then miss
Schedule of Cover for any irrecoverable unused travel any subsequent outbound or return connecting public
and accommodation costs and other pre-paid charges transport, we will pay you up to the maximum amount
which you have paid or are contracted to pay. shown in the Validation Certificate Schedule of Cover
c) If you decide to continue to travel following a delay of at for any necessary additional accommodation (room only)
least 12 hours due to one of the Specified Events above, and travel expenses incurred in reaching your overseas
we will also reimburse you up to the amount shown in the destination or returning to the United Kingdom. There
Validation Certificate Schedule of Cover for the cost of must be a minimum of 2 and a half hours between the
9scheduled arrival time of the public transport on which Section E - BAGGAGE
you have travelled and the scheduled departure time of
the subsequent outbound or return connecting public Please Note:
transport. Under this policy “baggage” means the following:
c) If, as a result of one of the Specified Events listed above,
you are unable to attend any pre-booked and pre-paid Luggage, clothing, personal belongings, valuables and other
event(s) due to missing the departure of the public articles which belong to you (or for which you are legally
transport on which you are booked to travel for the responsible) which are worn, used or carried by you during
international outbound and return legs of your trip, and/or any trip.
any subsequent outbound or return connecting public
transport, we will reimburse you up to the maximum However, certain equipment and specific items are not
amount shown in the Validation Certificate Schedule of covered. Please see exclusion 5 on page 11 for a full list of
Cover for the cost of such pre-booked and pre-paid equipment and specific items which are not covered.
event(s).
Notes: What is Covered
• If the same expenses are covered under Section D 1. We will pay you up to the amount shown in the
(Travel Delay and Abandonment), you can only claim Validation Certificate Schedule of Cover for the
under one section of this insurance for the same event. accidental loss of, theft of or damage to baggage. The
• There is no cover under c) above if the sole purpose of amount payable will be the value at today’s prices less
your trip is to attend a pre-booked and pre-paid event. a deduction for wear, tear and depreciation (loss of
Cover can be purchased separately for any such trip(s). value).
Special Conditions Relating to Claims The maximum we will pay you for the following items is:
1. You must be scheduled to arrive at the final departure a) the amount shown in the Validation Certificate
point for the international outbound and return legs of Schedule of Cover for any one article, pair or set of
your trip at least 2 and a half hours before the scheduled articles
departure time of the public transport on which you are b) the amount shown in the Validation Certificate
booked to travel. Schedule of Cover in total for all valuables
2. There must be a minimum of 2 and a half hours between c) the amount shown in the Validation Certificate
the scheduled arrival time of the public transport on Schedule of Cover in total for all spectacles and
which you have travelled and the scheduled departure sunglasses.
time of the subsequent outbound or return connecting
public transport. 2. We will also pay you up to the amount shown in the
3. If you make a claim caused by any delay happening on a Validation Certificate Schedule of Cover for the
motorway or dual carriageway, you must get, at your own emergency replacement of clothing, medication and
expense, confirmation or proof of the incident toiletries if your baggage is temporarily lost in transit
happening, and of the location, reason for and duration during the outward journey and not returned to you
of the delay. within 12 hours, as long as we receive written
confirmation from the public transport provider,
What is Not Covered confirming the number of hours the baggage was
delayed.
The General Exclusions on page 4 and the exclusions
below both apply to Section D1 – Missed Departure If the loss is permanent we will deduct the amount paid
1. The excess shown in the Validation Certificate from the final amount to be paid under this section.
Schedule of Cover.
2. Any claims arising directly or indirectly from strike or If you have paid an additional premium to add Wedding
industrial action existing or being publicly announced by Cover (Section Q) and it is shown as covered in your
the date the policyholder purchased this insurance or at Validation Certificate items of baggage are also covered
the time of booking any trip. under Section Q – Wedding Cover. You can only claim for
3. Any claims arising directly or indirectly from an aircraft or these under one section for the same event.
sea vessel being withdrawn from service (temporarily or
otherwise) on the recommendation of the Civil Aviation Special Conditions Relating to Claims
Authority, Port Authority or any such regulatory body in a 1. You must report to the local police in the country where
country to/from which you are travelling. the incident occurred within 24 hours of discovery, or as
4. Claims arising directly or indirectly from an accident to or soon as practicable after that and get (at your own
breakdown of the vehicle in which you are travelling when expense) a written report of the loss, theft or attempted
a repairer’s report or other evidence is not provided. theft of all baggage.
5. Claims arising directly or indirectly from breakdown of any 2. If baggage is lost, stolen or damaged while in the care
vehicle owned by you which has not been serviced and of a public transport provider, authority, hotel or your
maintained in accordance with the manufacturer’s accommodation provider you must report details of the
instructions. loss, theft or damage to them in writing and get (at your
6. Additional expenses where the scheduled public own expense) written confirmation.
transport provider has offered alternative travel 3. If baggage is lost, stolen or damaged whilst in the care
arrangements within 24 hours of the original departure of an airline you must:
time and of a comparable standard and duration. a) get a Property Irregularity Report from the airline.
7. Any claim for reimbursement of the cost of pre-booked b) give written notice of the claim to the airline within
and pre-paid event(s) where the sole purpose of your trip the time limit contained in their conditions of carriage
was to attend such event(s). (please retain a copy).
c) keep all travel tickets and tags for submission if you
are going to make a claim under this insurance.
4. You must provide (at your own expense) an original
receipt or proof of ownership for items lost, stolen or
damaged to help you to provide evidence to support a
claim.
10What is Not Covered Special Conditions Relating to Claims
The General Exclusions on page 4 and the exclusions 1. You must report to the local police in the country where
below both apply to Section E – Baggage the incident occurred within 24 hours of discovery or as
soon as practicable after that and get (at your own
1. The excess shown in the Validation Certificate expense) a written report of the loss, theft or attempted
Schedule of Cover (except claims under subsection 2 of theft of all personal money, passports or documents.
What is Covered above, where no excess applies). 2. If personal money, passports or documents are lost,
2. Loss, theft of or damage to valuables left unattended stolen or damaged while in the care of a hotel or your
at any time unless left in the custody of a public accommodation provider you must report details of the
transport provider, deposited in a hotel safe or safety loss, theft or damage to them in writing and get (at your
deposit box, or left in your locked accommodation. own expense) written confirmation. Keep all travel
3. Loss, theft of or damage to baggage contained in an tickets and tags for submission if a claim is to be made
unattended vehicle unless: under this insurance.
i. it is locked out of sight in a secure baggage area 3. If documents are lost, stolen or damaged while in the
and care of a public transport provider or authority, you
ii. forcible and violent means have been used by an must report details of the loss, theft or damage to them
unauthorised person to gain entry into the vehicle in writing and get (at your own expense) written
and evidence of such entry is available. confirmation.
4. If documents are lost, stolen or damaged whilst in the
4. Loss or damage due to delay, confiscation or detention care of an airline you must:
by customs or any other authority. a) give formal written notice of the claim to the airline
5. Loss, theft of or damage to unset precious stones, within the time limit set out in their conditions of
contact or corneal lenses, hearing aids, dental or carriage (please keep a copy).
medical fittings, antiques, musical instruments, motor b) keep all travel tickets and tags for submission to our
accessories, documents of any kind, bonds, securities, claims handlers if you are going to make a claim
perishable goods (such as food), bicycles, ski under this insurance.
equipment, golf equipment, business equipment,
personal money and damage to suitcases (unless the 5. You must provide (at your own expense) an original
suitcases are entirely unusable as a result of one single receipt or proof of ownership for items lost, stolen or
incidence of damage). damaged to help you to provide evidence to support
6. Loss or damage due to cracking, scratching, or your claim.
breakage of china, glass (other than glass in watch
faces, cameras, binoculars or telescopes), porcelain or What is Not Covered
other brittle or fragile articles unless caused by fire,
theft, or an accident to the aircraft, sea vessel, train or The General Exclusions on page 4 and exclusions below
vehicle in which they are being carried. both apply to Section F - Personal Money, Passport and
7. Loss or damage due to breakage of sports equipment Documents
or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business equipment, 1. The excess shown in the Validation Certificate
business goods, samples, tools of trade and other items Schedule of Cover.
used in connection with your business, trade, 2. Loss, theft or damage to personal money or your
profession or occupation. passport or visa if left unattended at any time unless
9. Loss or damage caused by wear and tear, depreciation left in the custody of a public transport provider,
(loss in value), atmospheric or climatic conditions, moth, deposited in a hotel safe or safety deposit box, or left in
vermin, any process of cleaning repairing or restoring, your locked accommodation.
or mechanical or electrical breakdown. 3. Loss, theft or damage to travellers’ cheques if you have
not complied with the issuer’s conditions or where the
Section F – PERSONAL MONEY, issuer provide a replacement service.
4. Loss or damage due to delay, confiscation or detention
PASSPORT AND DOCUMENTS by customs or any other authority.
What is Covered 5. Loss or damage due to depreciation (loss in value),
1. We will pay you up to the amounts shown below for the variations in exchange rates or shortages due error or
accidental loss of, theft of or damage to personal omission.
money and documents (including the unused portion of
passports, visas and driving licences). We will also
cover foreign currency during the 72 hours immediately Section G – EXTENDED KENNEL AND/OR
before your departure on the outward journey. CATTERY FEES
What is Covered
The maximum we will pay for the following items is: We will pay you up to the amount shown in the Validation
a) the amount shown in the Validation Certificate Certificate Schedule of Cover (£150 for trips in the United
Schedule of Cover for bank notes, currency notes Kingdom) for any additional kennel/cattery fees incurred, if
and coins your domestic dog(s)/cat(s) are in a kennel/cattery during
b) the amount shown in the Validation Certificate your trip and your return to your home has been delayed
Schedule of Cover for all other personal money due to your bodily injury, illness or disease.
and documents (including the cost of the emergency
replacement or temporary passport or visa). What is Not Covered
2. We will pay up to the amount shown in the Validation The General Exclusions on page 4 and the exclusions
Certificate Schedule of Cover for additional travel and below both apply to Section G – Extended Kennel and/or
accommodation expenses necessarily incurred outside Cattery Fees
your home area to obtain a replacement of your
passport or visa which has been lost or stolen outside 1. Claims arising from your bodily injury, illness or
your home area. disease that is not covered under Section B – Medical,
repatriation and other expenses.
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